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	<title>NC FHA Expert &#187; nc</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
	<lastBuildDate>Wed, 08 Feb 2012 13:14:23 +0000</lastBuildDate>
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		<title>Buy a House, Get a Raise!</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise-2/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise-2/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 13:14:23 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[benefits of homeownership]]></category>
		<category><![CDATA[buying forelcosed homes]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[first time home buyer programs]]></category>
		<category><![CDATA[how to buy foreclosed homes]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[steve thorne]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=142</guid>
		<description><![CDATA[Buy a House, Get a Raise! I&#8217;ve told people this for years, and they don&#8217;t always understand.  You see, when you purchase a house, it gives you a tax incentive, and so if you are paying $1200 a month for a mortgage payment you are likely writing off at least $400 a month in interest [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise-2/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
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		<title>I Have A Repo on My Credit Report Can I Buy a House?</title>
		<link>http://ncfhaexpert.com/fha/i-have-repo-on-my-credit-report-can-i-buy-a-house/</link>
		<comments>http://ncfhaexpert.com/fha/i-have-repo-on-my-credit-report-can-i-buy-a-house/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 13:09:15 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[car reposession]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[fha credit guidelines]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[river community bank]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=122</guid>
		<description><![CDATA[I&#8217;ve had several of these questions lately, and I figured I&#8217;d let you know what I&#8217;m seeing. Just because you have a repossession on your credit report does not mean that you have to delay in purchasing a home&#8230; but that doen&#8217;t mean it&#8217;s not a problem. Okay, so let&#8217;s say you have a repossession [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/i-have-repo-on-my-credit-report-can-i-buy-a-house/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Buying a Home after Foreclosure</title>
		<link>http://ncfhaexpert.com/usda-loans/buying-a-home-after-foreclosure/</link>
		<comments>http://ncfhaexpert.com/usda-loans/buying-a-home-after-foreclosure/#comments</comments>
		<pubDate>Sun, 20 Jun 2010 19:53:37 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[FHA Credit Score guidelines]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time homebuyers]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[purchase]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[usda mortgage]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=141</guid>
		<description><![CDATA[If you are one of the millions of families that lost their home in the last couple of years to Foreclosure&#8230; you might think&#8230; Been There &#8211; Done That You might not want to own a home again!  But if you&#8217;re one of those folks who truly does want to purchase again, here&#8217;s some potentially [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Credit Scores and First Time Home Buyers!</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/credit-scores-and-first-time-homebuyers/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/credit-scores-and-first-time-homebuyers/#comments</comments>
		<pubDate>Thu, 20 May 2010 19:33:12 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[$8000 tax credit]]></category>
		<category><![CDATA[credit score guidelines]]></category>
		<category><![CDATA[credit score requirements]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[fha home loans]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[va mortgage loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=151</guid>
		<description><![CDATA[How Credit Scores are calculated is changing, and the minimum scores required for mortgage loans are going HIGHER!  For information about &#8220;WHY&#8221; Credit Scores requirements are changing in NC, click here. It&#8217;s important to know that Transunion began making changes to the way they calculate credit scores, and if you don&#8217;t change your credit strategy &#8211; you might not [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/credit-scores-and-first-time-homebuyers/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Veterans get a Tax Credit Extension, what about the rest of us??</title>
		<link>http://ncfhaexpert.com/va-loans/veterans-get-a-tax-credit-extension-what-about-the-rest-of-us/</link>
		<comments>http://ncfhaexpert.com/va-loans/veterans-get-a-tax-credit-extension-what-about-the-rest-of-us/#comments</comments>
		<pubDate>Thu, 22 Oct 2009 14:46:10 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[VA Mortgage Loans]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time homebuyers]]></category>
		<category><![CDATA[guidelines]]></category>
		<category><![CDATA[home loan rates raleigh]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[mortgages apex]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[qualifying]]></category>
		<category><![CDATA[raleigh]]></category>
		<category><![CDATA[tax credit]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[va mortgage loans]]></category>
		<category><![CDATA[wake]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=221</guid>
		<description><![CDATA[On October 11, 2009 the Congress agreed to extend the $8000 Tax Credit for First Time Homebuyers for any Veteran who served at least 3 months of "Qualified Overseas Duty"  in 2009 for another 12 months! ]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/va-loans/veterans-get-a-tax-credit-extension-what-about-the-rest-of-us/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Could FHA Force Green Homeownership?</title>
		<link>http://ncfhaexpert.com/fha/could-fha-force-green-homeownership/</link>
		<comments>http://ncfhaexpert.com/fha/could-fha-force-green-homeownership/#comments</comments>
		<pubDate>Thu, 22 Oct 2009 13:56:38 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[Energy Efficient]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[fha mortgage loans cary]]></category>
		<category><![CDATA[fha mortgage loans raleigh]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[guidelines]]></category>
		<category><![CDATA[HUD]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=217</guid>
		<description><![CDATA[HUD is required to report back to the White House it's Greenhouse Gas Emmission reduction suggestions by January.  Since there is pressure to show large increases in energy efficiency and corresponding decreases in pollution and greenhouse gas emissions...  could this move HUD toward imposing “green” standards on federally-assisted programs like FHA?  ]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/could-fha-force-green-homeownership/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FHA Downpayment Going to 5% ??</title>
		<link>http://ncfhaexpert.com/fha/fha-downpayment-going-to-5/</link>
		<comments>http://ncfhaexpert.com/fha/fha-downpayment-going-to-5/#comments</comments>
		<pubDate>Mon, 05 Oct 2009 13:14:21 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[Housing News]]></category>
		<category><![CDATA[county]]></category>
		<category><![CDATA[downpayment]]></category>
		<category><![CDATA[durham]]></category>
		<category><![CDATA[fha cary]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time homebuyers]]></category>
		<category><![CDATA[guidelines]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[orange county]]></category>
		<category><![CDATA[wake]]></category>
		<category><![CDATA[wake forest]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=212</guid>
		<description><![CDATA[US Congressman Scott Garrett (R-NJ) introduced the "FHA Taxpayer Protection Act of 2009.  In his bill, borrowers would be required to make a 5% downpayment on FHA loans, as opposed to the 3.5% downpayment in the current guidelines.]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/fha-downpayment-going-to-5/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>USDA Rural Development Loans and Liquid Assets</title>
		<link>http://ncfhaexpert.com/usda-loans/usda-rural-development-loans-and-liquid-assets/</link>
		<comments>http://ncfhaexpert.com/usda-loans/usda-rural-development-loans-and-liquid-assets/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 22:26:03 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[liquid assets]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[no money down]]></category>
		<category><![CDATA[purchasing]]></category>
		<category><![CDATA[qualifying]]></category>
		<category><![CDATA[usda]]></category>
		<category><![CDATA[usda home loans]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=200</guid>
		<description><![CDATA[There's just one little catch - you can not have more than 20% of the home's purchase price left over after closing in liquid assets. This means that if you purchased a $100,000 house, you can not have more than $20,000 left over after closing.]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/usda-loans/usda-rural-development-loans-and-liquid-assets/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>VA Loans &#8211; Cheaper if you make a Downpayment</title>
		<link>http://ncfhaexpert.com/va-loans/va-loans-cheaper-if-you-make-a-downpayment/</link>
		<comments>http://ncfhaexpert.com/va-loans/va-loans-cheaper-if-you-make-a-downpayment/#comments</comments>
		<pubDate>Tue, 25 Aug 2009 22:37:34 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[VA Mortgage Loans]]></category>
		<category><![CDATA[Best mortgage rates]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time home buyers]]></category>
		<category><![CDATA[lowest rates]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[va loans cary]]></category>
		<category><![CDATA[va mortgage]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>
		<category><![CDATA[veteran]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=178</guid>
		<description><![CDATA[If a Veteran can  put a down payment on the home, the funding fee is reduced. For regular military, the funding fee on a 95% loan is only 1.5% and 1.25% on a 90% loan. Reserve members pay 1.75% &#038; 1.5%, respectively.

There's no MONTHLY fee - which is why it is cheaper than FHA or often times, Conventional PMI.  ]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/va-loans/va-loans-cheaper-if-you-make-a-downpayment/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>USDA Home Loans have PMI?</title>
		<link>http://ncfhaexpert.com/usda-loans/usda-home-loans-have-pmi/</link>
		<comments>http://ncfhaexpert.com/usda-loans/usda-home-loans-have-pmi/#comments</comments>
		<pubDate>Mon, 24 Aug 2009 23:14:47 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[USDA Home Loans]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[funding fee]]></category>
		<category><![CDATA[guarantee fee]]></category>
		<category><![CDATA[home loan fha]]></category>
		<category><![CDATA[lowest mortgage rates]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[pmi]]></category>
		<category><![CDATA[usda funding fee]]></category>
		<category><![CDATA[usda home loan]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[usda mortgage loan]]></category>
		<category><![CDATA[USDA mortgages]]></category>
		<category><![CDATA[usda pmi]]></category>
		<category><![CDATA[va home loan benefits]]></category>
		<category><![CDATA[VA Mortgage Loan]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=174</guid>
		<description><![CDATA[USDA Home Loans also have a form of default insurance (PMI), and it's a Guarantee Fee. The actual dollar amount is a rather complicated formula, and it ends up being about 2.05% - but most people use 2.% as a rule of thumb for prequalifying purposes.]]></description>
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		<slash:comments>1</slash:comments>
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